Home Mortgage Loan Ratesin Georgia

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in Georgia and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 07/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.356% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.505 Points$1,616 Points Fee
$3,611 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.366% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$8,393 Total Fees$5,193 Lender Fees
 30 Years Fixed
6.371% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.900 Points$2,880 Points Fee
$4,105 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.397% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.839 Points$2,685 Points Fee
$4,980 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.462% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.600 Points$1,920 Points Fee
$2,920 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.483% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.510 Points$1,632 Points Fee
$3,632 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.487% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.834 Points$2,669 Points Fee
$3,764 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.512% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.843 Points$2,698 Points Fee
$8,898 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.588% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.685 Points$2,192 Points Fee
$3,380 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.596% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.566 Points$1,811 Points Fee
$3,206 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.632% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
Numbers you can trust
Veterans: Use your VA benefit to buy with 0% down
As low as 0% down options & down payment assistance
America's #1 Retail Lender (Scottsman Guide)
6.466% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.957 Points$3,062 Points Fee
$3,062 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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Georgia homebuyers and homeowners looking to refinance have access to a variety of mortgage lenders offering competitive home loan rates. Whether you're a first-time homebuyer, looking to upgrade, or seeking to refinance your existing mortgage, you can find a range of loan options to suit your needs and financial situation. When comparing home mortgage loan rates in Georgia, it's essential to consider factors such as loan type (fixed-rate or adjustable-rate), loan term, down payment, and credit score, as these can all impact the interest rates and terms you qualify for. Shopping around and comparing offers from multiple lenders, including local banks, credit unions, and online lenders, can help you find the most competitive mortgage rates in Georgia. Working with experienced mortgage professionals and carefully evaluating your options can help ensure that you secure the best home loan rates available, making your homeownership dreams a reality in Georgia.